Adviser strategies

Employer clients must be prepared to contribute additional capital to fund and secure the captive's initial surplus, typically 10% to 15% of the first year's premium.

Most employers expect to have a greater reliance on advisers over the next five years amid growing demand for data driven-insights about the value of benefits.

Chris Wolpert learned the power of publishing in getting across his benefits-advising message, earn street cred, and court prospective clients.

Mike Sha, CEO of SigFig writes that agents will need to go beyond insurance to offer more advice on every phase of the financial journey.